Step 2: Your attorney will need to file a pay order for electronic bank transfer with the bankruptcy court.

** It is essential for YOU to make direct payments to the Trustee’s lockbox until the ACH becomes effective.

How will I know the exact start date of my ACH deduction?

You will receive a letter in the mail stating that we have all the required documents and information. It will detail the exact start date of your ACH.

Can I change the bank account that my payment comes out of?

Yes, a new ACH Form will need to be filled out and sent to our office in Flint with the updated information.

Can I change the withdrawal date?

The only dates that can be used for ACH withdrawals are the 5th and the 22nd. However, if your payment is scheduled to come out on the 5th and you would LIKE it to come out on the 22nd (or vice versa) or if you would like to change to semi-monthly withdrawals (which will be pulled on the 5th AND the 22nd), you may fill out a new ACH Form and send it to our office in Flint with the updated information.

What happens if I do not have the full plan payment amount in my bank account on the date it is to be withdrawn?

If the full amount of the payment is not available, we will receive a Non-Sufficient Funds (NSF) notice. You will need to mail your payment directly to : Chapter 13 Trustee – Flint P.O. Box 2175 Memphis, TN 38101-2175. Our office will NOT attempt more than once to take the payment. If you receive multiple NSF’s you will be removed from the ACH program and the trustee’s office may serve a Third Party Payment Order requiring your employer to deduct your plan payment from your wages.

What If I encounter a hardship situation?

Contact our office. If your account is in good standing, you may be eligible to have your ACH suspended during the month of hardship. However, that does NOT excuse the payment. You would still need to mail a payment before the end of the month by money order or cashier’s check to the Chapter 13 Trustee – Flint, P.O. Box 2175, Memphis, TN 38101-2175.

Click HERE to Register. This will direct you to the ePay Online Payment Center so you may begin the registration process.

Please fill out the registration page and click Next when done. The next page will ask you for your Online Payment ID. This ID number consists of your case number (without dashes) and the last four digits of your Social Security number.

Example: If your case number and social security number are 11-77777 and XXX-XX-1234

Then the Online Payment ID would be: 11777771234

After inputting your Online Payment ID twice, click Next. The next page will provide you one last opportunity to verify your information before submitting. Click Submit Registration if your information is correct.

Making a Payment:

Login HEREBegin by choosing the amount to pay. You will have the choice of making your Current Monthly Payment or an Other amount. Next, key in your Checking or Savings Account information and select what type of account it is. If you are unsure of your Checking or Savings Routing and Account numbers, please click on the image button to the right of the Routing number field to see an example. Routing numbers are always 9 digits long and to the left of your account number (Note: DO NOT use a Deposit slip to obtain your Routing number. The deposit slip Routing number is typically different from the Routing number associated with the Checking account). Click Submit Payment once your payment information has been input.

For questions or help, please e-mail us at epayquestion@flint13.com, or call our office at 810.238.4675 [x227] to reach Dawn Larsen, or visit ePay Frequently Asked Questions for further help.